Nissan Sentra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 24, 2024

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Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

Ready to start shopping for Nissan Sentra rates? Enter your five-digit ZIP code into our FREE quote tool above.

The average insurance rates for a Nissan Sentra are $1,372 a year with full coverage. Comprehensive costs approximately $254 a year, collision insurance costs $570, and liability insurance costs around $390. Liability-only insurance costs as low as $452 a year, and high-risk driver insurance costs around $3,002. Teenage drivers cost the most to insure at up to $5,206 a year.

Average premium for full coverage: $1,372

Policy rates by type of insurance:

Comprehensive $254
Collision $570
Liability $390

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Sentra trim levels.

Price Range Variability

Using a middle-aged driver as an example, Nissan Sentra insurance rates range from the low end price of $452 for basic liability insurance to a high of $3,002 for a high-risk driver policy.

Liability Only $452
Full Coverage $1,372
High Risk $3,002

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

Rural Areas $1,029
Small Cities $1,441
Large Cities $1,852

The examples above demonstrate why it is important to compare prices using their specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below details average Nissan Sentra insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $778
  • Using higher $1,000 deductibles will save $1,188 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,372
  • Using low $100 deductibles for physical damage coverage bumps up the cost to $1,742
  • Drivers who are prone to accidents and violations could pay around $3,002
  • Policy cost that insures a teen driver can cost $5,206 or more

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing Nissan Sentra insurance rates range from $778 to $5,206 for full coverage

Auto insurance rates for a Nissan Sentra also range considerably based on the trim level of your Sentra, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 138% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Nissan Sentra insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$130 -9.5%
Alaska $1,054 -$318 -23.2%
Arizona $1,142 -$230 -16.8%
Arkansas $1,372 -$0 0.0%
California $1,564 $192 14.0%
Colorado $1,312 -$60 -4.4%
Connecticut $1,412 $40 2.9%
Delaware $1,556 $184 13.4%
Florida $1,720 $348 25.4%
Georgia $1,268 -$104 -7.6%
Hawaii $986 -$386 -28.1%
Idaho $928 -$444 -32.4%
Illinois $1,024 -$348 -25.4%
Indiana $1,034 -$338 -24.6%
Iowa $928 -$444 -32.4%
Kansas $1,306 -$66 -4.8%
Kentucky $1,874 $502 36.6%
Louisiana $2,034 $662 48.3%
Maine $846 -$526 -38.3%
Maryland $1,134 -$238 -17.3%
Massachusetts $1,100 -$272 -19.8%
Michigan $2,388 $1,016 74.1%
Minnesota $1,148 -$224 -16.3%
Mississippi $1,644 $272 19.8%
Missouri $1,218 -$154 -11.2%
Montana $1,476 $104 7.6%
Nebraska $1,084 -$288 -21.0%
Nevada $1,648 $276 20.1%
New Hampshire $990 -$382 -27.8%
New Jersey $1,536 $164 12.0%
New Mexico $1,218 -$154 -11.2%
New York $1,448 $76 5.5%
North Carolina $790 -$582 -42.4%
North Dakota $1,126 -$246 -17.9%
Ohio $950 -$422 -30.8%
Oklahoma $1,412 $40 2.9%
Oregon $1,260 -$112 -8.2%
Pennsylvania $1,310 -$62 -4.5%
Rhode Island $1,834 $462 33.7%
South Carolina $1,246 -$126 -9.2%
South Dakota $1,158 -$214 -15.6%
Tennessee $1,204 -$168 -12.2%
Texas $1,656 $284 20.7%
Utah $1,016 -$356 -25.9%
Vermont $940 -$432 -31.5%
Virginia $822 -$550 -40.1%
Washington $1,060 -$312 -22.7%
West Virginia $1,260 -$112 -8.2%
Wisconsin $952 -$420 -30.6%
Wyoming $1,224 -$148 -10.8%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $560 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Nissan Sentra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Sentra 2 $1,288 $107
Nissan Sentra 2.0 S $1,360 $113
Nissan Sentra 2.0 SR $1,360 $113
Nissan Sentra 2.0 SL $1,416 $118
Nissan Sentra SE-R $1,416 $118
Nissan Sentra SE-R SPEC V $1,458 $122

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Nissan Sentra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Sentra $266 $594 $372 $1,390
2023 Nissan Sentra $254 $570 $390 $1,372
2022 Nissan Sentra $244 $566 $398 $1,366
2021 Nissan Sentra $236 $552 $416 $1,362
2020 Nissan Sentra $228 $530 $430 $1,346
2019 Nissan Sentra $216 $512 $442 $1,328
2018 Nissan Sentra $206 $474 $452 $1,290
2017 Nissan Sentra $198 $446 $456 $1,258
2016 Nissan Sentra $190 $400 $460 $1,208
2015 Nissan Sentra $178 $368 $460 $1,164
2014 Nissan Sentra $172 $346 $464 $1,140
2013 Nissan Sentra $168 $322 $474 $1,122
2012 Nissan Sentra $156 $300 $474 $1,088
2011 Nissan Sentra $150 $272 $478 $1,058
2010 Nissan Sentra $140 $248 $474 $1,020
2009 Nissan Sentra $132 $226 $474 $990
2008 Nissan Sentra $128 $202 $468 $956
2007 Nissan Sentra $126 $198 $460 $942
2006 Nissan Sentra $124 $188 $452 $922
2005 Nissan Sentra $114 $180 $446 $898

Rates are averaged for all Nissan Sentra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Nissan Sentra Insurance

Finding cheaper rates on Nissan Sentra insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices every time your policy renews by obtaining price quotes from direct companies, and also from local insurance agencies.

The points below are a brief summary of the information touched on in the above illustrations.

  • You may be able to save around $170 per year just by quoting early and online
  • Drivers under the age of 20 have the highest car insurance rates, as much as $434 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles can save approximately $550 each year
  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,630 more per year to insure a Nissan Sentra
  • Drivers who purchase increased liability limits will pay an extra $430 every year to increase from a 30/60 limit to the 250/500 level

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

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What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Nissan Sentra 4 DR FWDN/RN/RN/RN/R
2019 Nissan Sentra SR Turbo 4 DR FWDN/RN/R5 stars4 stars
2019 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2019 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2018 Nissan Sentra Turbo 4 DR FWDN/RN/RN/RN/R
2018 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2018 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2017 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2017 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2016 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision20%
Property Damage7%
Comprehensive-19%
Personal Injury58%
Medical Payment79%
Bodily Injury41%

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.

References

  1. https://www.iihs.org/ratings/vehicle/nissan/sentra-4-door-sedan/2020

Rates by Driver Age

Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $5,206
20 $3,224
30 $1,432
40 $1,372
50 $1,258
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,742
$250 $1,568
$500 $1,372
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,372
50/100 $1,536
100/300 $1,634
250/500 $1,887
100 CSL $1,575
300 CSL $1,790
500 CSL $1,946

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,434
20 $5,136
30 $3,066
40 $3,002
50 $2,868
60 $2,846

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $198

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $20
5-yr Accident Free $105
5-yr Claim Free $90
Paid in Full/EFT $65
Advance Quote $70
Online Quote $97
Total Discounts $594
Rate after discounts $778

Discounts are estimated and may not be available from every company or in every state.

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